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Standard Portfolio Loans

Contribute More Up Front For Lower Monthly Payments

Looking for an option with lower monthly payments? For borrowers who want to put a higher percentage down to lower their monthly payments, our standard portfolio loans are a great choice. 

Standard Portfolio Loan Benefits

  • Down payment as low as 3%
  • No private mortgage insurance (PMI)
  • Minimum credit score 580
  • Can be combined with down payment assistance if available
  • No income or purchase price limits

Ready to get started?

Our experienced home lending team is here to help. We'll talk with you to understand your home-buying goals and your financial picture. 


When you meet with your loan officer, it's helpful to bring the following items (for yourself and your spouse or co-borrower):

  • Photo ID
  • Tax returns (two most recent years)
  • W2s (two most recent years)
  • Pay stubs (two most recent pay cycles)
  • Bank statements (two most recent months)